The Revolut Credit Card gives you access to flexible credit, mobile control, and rewards through your Revolut app.
You can apply easily, manage everything from your phone, and upgrade plans for extra benefits. This guide will help you apply and use the card effectively.
What Is the Revolut Credit Card?
The Revolut Credit Card is a smart choice if you want speed and control. It’s available to Revolut users and managed fully in-app.
You can access both virtual and physical cards. It’s accepted globally and can be linked to Apple Pay or Google Pay.
The card gives you a credit limit, which you repay monthly. You can use it for everyday shopping, subscriptions, or travel.
The biggest edge is how easy it is to manage from your smartphone. Everything, from limits to payments, happens through the Revolut app.
How to Apply for the Revolut Credit Card?
Applying is quick and done entirely within the Revolut app. There are no long forms or external websites.
Apply in the Revolut App
Here’s how you can request your card without hassle. You’ll be guided step-by-step and get an instant answer in many cases.
- Log in to your Revolut account and go to “Cards” or “Credit”
- Tap on “Get Credit Card” to start the process
- Fill in your name, income, and employment info
- Choose your desired credit limit (up to €10,000)
- Submit the request and wait for approval
Get Instant Access
Once approved, you can use a virtual version right away. It works for online payments instantly.
You can also order a physical card to be delivered to your home. Setup is fast and doesn’t require calling support or mailing forms.
Who Can Apply: Requirements and Documents
To get approved, you need to meet certain criteria. It’s mostly based on your country, age, and income.
Basic Requirements
Make sure you qualify before applying. Meeting these helps speed up your approval.
- You must be 18 years or older
- Must live in an eligible European country
- Have a verified Revolut account
- Show proof of income and identity
Documents You Need
Prepare your paperwork to avoid delays. Revolut may request these depending on your country.
- Valid ID (passport or national card)
- Proof of address (recent utility bill or bank statement)
- Employment info or tax documents
Your Credit Limit and Interest Rates
The credit limit is based on your finances and credit profile. You can request up to €10,000.
Understanding Interest Rates
Interest only applies if you don’t pay the full balance. You have a chance to repay without interest for up to 62 days.
- Fixed annual interest rate: 15%
- APR (Annual Percentage Rate): 16.08%
- Minimum repayment: 3% of used credit or €10 (whichever is higher)
- Example: Borrowing €4,100 over 3 months costs €4,255.01
Using the Card: Virtual and Physical Options
You get full control once your card is active. You can order a physical card or use the digital one.
Key Features
Manage your card and spending straight from the app. Choose the best option based on your needs.
- Virtual card for instant access
- Physical card for global shopping
- Contactless payments via Google Pay and Apple Pay
- Spending notifications and freeze/unfreeze features
Smart Repayment Options
Managing repayments is simple through the Revolut app. You decide how much to repay each month.
Repayment Methods
You can repay in full or carry a balance. You also get reminders and repayment schedules.
- Full balance: pay everything by the due date
- Minimum payment: Repay a small portion monthly
- Custom amount: choose what works best for you
- Carrying a balance triggers interest based on usage
Grace Period and Interest-Free Days
Revolut offers up to 62 days with no interest if paid on time. This is helpful for budgeting.
The grace period starts on the day your billing cycle begins. To stay interest-free, repay in full before the period ends.
Interest only applies after that point. If you repay less than the full amount, the balance accrues interest.
Maximize Your RevPoints Rewards
RevPoints let you turn purchases into travel rewards. They work with over 30 airlines and other partners.
How RevPoints Work?
You earn points based on your Revolut plan. The more premium your plan, the more you earn.
- Plus: 1.5 points per €10 spent
- Premium: 1.5 points per €4 spent
- Metal: 2 points per €1 spent
- Ultra: 1.5 points per €1 spent
These points can be used for 1:1 conversion to airline miles. You can also access other partner perks. You must activate RevPoints in-app.
Understanding Revolut Plans
The card works with any Revolut plan. But higher-tier plans unlock more benefits and better point rates.
Compare the Plans
Each plan has its own pricing and features. Choose one that fits how often you spend or travel.
- Plus: Basic rewards and insurance for purchases
- Premium: Better exchange rates, no FX limits
- Metal: High rewards, travel insurance, subscriptions
- Ultra: Best perks, lounge access, global data, max points
Managing Your Card Securely
Revolut gives you tools to control your spending. You can access everything from your app.
Smart Controls
These features help you stay safe and avoid fraud. They also help with spending awareness.
- Freeze or unfreeze your card anytime
- Set spending limits and alerts
- Get notifications for all transactions
- Pause recurring payments instantly
Pros and Cons to Keep in Mind
Like any credit product, the Revolut Credit Card has advantages and limitations. Know both before applying.
Pros
The card comes with several strong advantages. These benefits focus on ease of access, flexibility, and app-driven control.
- Easy to apply and use
- Flexible repayment options
- Rewards for spending
- Fully managed in-app
Cons
There are a few downsides to consider when using the card. These drawbacks mostly relate to availability and reward limitations.
- Points depend on plan, not just card use
- Not available in all countries
- Manual activation for rewards
- Limited offline customer service
Key Legal and Credit Information
Here are the most important terms and warnings. These apply to all Revolut credit users.
- You must repay all credit borrowed
- Grace periods apply only if you repay in full
- Points are tied to the plan, not the card by default
- Credit use may affect your credit score
- Credit card approvals are not guaranteed
Example: How Repayment Works
Here is a sample scenario to show the costs. This reflects the terms provided.
- Borrow €4,100 at a 15% fixed annual rate
- Total repayable over 3 months: €4,255.01
- APR: 16.08%
- Minimum monthly payment: 3% of balance or €10
- No payment or interest if you don’t use the credit
Disclaimer: The information in this article is provided for general guidance only and may change over time.
Revolut may update its terms, benefits, or eligibility without prior notice. For the latest and most accurate details, always check the official Revolut website.
How to Get Help or Contact Revolut?
You can get help through Revolut’s built-in support. There is no need to call.
Use the chat feature in the app to contact customer support. For more info, visit Revolut Support.
Their registered bank address is: Konstitucijos ave. 21B, Vilnius, 08130, Lithuania. Revolut is licensed and regulated by the European Central Bank.
Make the Most of Your Revolut Credit Card
The Revolut Credit Card gives you speed, control, and rewards. You can apply directly from the app and get started fast.
Use smart repayment tools and manage your spending your way. To get the best results, activate your rewards, pay on time, and choose the right Revolut plan for your lifestyle.
